Boat & Watercraft Insurance

That photo is one of us growing up on the water, circa 2013.

It’s part of life here in Central Florida. From mornings fishing to afternoons skiing and tubing, boats and personal watercraft are more than just property — they’re part of how we live, relax, and make memories.

What Does Boat Insurance Cover?

Boat and watercraft insurance policies can vary, but most include protection for things like:

• Physical damage to your boat or personal watercraft
• Liability coverage if you’re responsible for an accident
• Medical payments for injuries on the water
• Theft, vandalism, or storm damage
• Fuel spill or environmental damage liability (in some cases)
• Optional towing and assistance on the water

In Florida, where storms and heavy boating traffic are common, having the right coverage can make a big difference when something unexpected happens.

Do You Need Boat Insurance in Florida?

Boat insurance is not always required by law in Florida, but it is often required if:

• You finance your boat
• You dock at a marina
• You store your boat at certain facilities

Even when it’s not required, many boat owners choose coverage because repairs, liability claims, and storm damage can become expensive quickly.

Built for Florida Boating Life

From inland lakes to coastal waters, boating in Florida comes with unique risks — sun exposure, sudden storms, crowded waterways, and long seasons of use.

That’s why many policies are designed to be flexible, covering everything from weekend lake use to full-time watercraft storage and seasonal riding.

A Local Perspective

This isn’t just something we write about — it’s something we grew up around.

A lot of time was spent on Lake Agnes in Polk City, right off I-4. If you ever drove that stretch in the summer, you probably saw us out there skiing, tubing, or praying for wind in a tiny sailboat. That first photo? It’s one of us.

That same water-focused lifestyle is why we understand how important it is to protect your boat properly — not overcomplicate it, just make sure it’s covered when it matters.

Boat Insurance Options

So, what do we insure?

• Casual lake boating
• Fishing and recreation
• Jet skis and personal watercraft
• Larger recreational boats

No two boaters are the same, so coverage shouldn’t be either.

Get Help with Boat Insurance

If you’re buying a new boat, reviewing your current coverage, or just want to make sure you’re protected before the next trip out on the water, we can help you compare options and understand what actually matters.

Smith & Thomas Insurance helps Florida boat owners find coverage that fits their lifestyle — without overpaying or overcomplicating it.